Kekuatan surat kuasa membebankan hak tanggungan dalam perjanjian kredit perbankan

Wijaya, Monalisa (2024) Kekuatan surat kuasa membebankan hak tanggungan dalam perjanjian kredit perbankan. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Penelitian ini dilakukan bertujuan untuk mengetahui kepastian hukum dalam pembuatan Surat Kuasa Membebankan Hak Tanggungan (SKMHT) pada Bank Syariah Indonesia Ahmad Yani Medan, dan juga untuk mengetahui bagaimana pelaksanaan pembuatan Surat Kuasa Membebankan Hak Tanggungan yang diikutinya kewajiban membuat Akta Pemberian Hak Tanggungan pada BSI Medan Ahmad Yani. Penelitian ini menggunakan metode penelitian hukum normatif empiris. Pendekatan ini mengabungkan antara normatif yuridis dan yuridis empiris. Metode penelitian normatif yuridis yang dilakukan adalah dengan mengkaji hukum dari beberapa aspek seperti teori, filosopi, perbandingan, struktur/komposisi, konstitensi, penjelasan umum, dan penjelasan pada tiap pasal, formalitas dan kekuatan mengikat suatu Undang – Undang, dan yuridis empiris adalah penelitian yang mempunyai objek kajian mengenai perilaku masyarakat yang muncul karena ada interaksi dengan sistem norma yang ada. Jenis data yang digunakan adalah data primer dan data sekunder dengan teknik pengumpulan data library research dan penelitian lapangan dengan melakukan wawancara. Hasil dari penelitian skripsi ini adalah yang pertama pembebanan hak tanggungan yang dilakukan oleh debitor Bank BSI karena ada situasi khusus sehingga debitor tidak bisa hadir secara langsung dihadapan Notaris/PPAT sehingga menggunakan SKMHT, Notaris atau PPAT yang bersangkutan harus memastikan bahwa pemberi hak tanggungan memiliki kewenangan untuk melakukan perbuatan hukum terhadap objek tanggungan yang dibebankan. Hasil penelitian yang kedua adalah pelaksanaan pembuatan SKMHT di BSI yang melakukan verifikasi dokumen – dokumen yang diperlukan harus asli dan lengkap, dimana prosedur SKMHT akan diserahkan kepada notaris rekanan BSI yang berperan sebagai pejabat pembuat akta yang lalu SKMHT tersebut akan ditingkatkan menjadi Akta Pemberian Hak Tanggungan (APHT) oleh PPAT, sehingga inilah alasan diperlukan SKMHT saat debitor yang tidak bisa hadir di hadapan PPAT secara langsung dalam pembuatan APHT, dengan adanya SKMHT yang diikuti oleh APHT perjanjian kredit pun dapat berlanjut. / This research was carried out with the aim of finding out legal certainty in making a Power of Attorney to Charge Mortgage Rights at Bank Syariah Indonesia Ahmad Yani Medan, and also to find out how the implementation of making a Power of Attorney to Charge Mortgage Rights followed by the obligation to make a Deed of Granting Mortgage Rights at BSI Medan Ahmad Yani. This study uses the empirical normative legal research method. This approach combines normative juridical and empirical juridical. The normative juridical research method used is to study the law from several aspects such as theory, philosophy, comparison, structure/composition, consistency, general explanation, and explanation in each article, formality and binding force of a Law, and empirical juridical is a study that has an object of study regarding community behavior that arises because of interaction with the existing norm system. The types of data used are primary data and secondary data with library research data collection techniques and field research by conducting interviews. The results of this thesis research are the first is the imposition of mortgage rights carried out by BSI Bank debtors because there is a special situation so that the debtor cannot be present in person before the Notary/PPAT so that using SKMHT, the Notary or PPAT concerned must ensure that the grantor of the mortgage has the authority to carry out legal actions against the object of the mortgage that is charged. The second research result is the implementation of the making of SKMHT at BSI which verifies the required documents must be original and complete, where the SKMHT procedure will be submitted to the BSI partner notary who acts as the official making the deed and then the SKMHT will be upgraded to a Deed of Granting of Mortgage Rights (APHT) by PPAT, so this is the reason why SKMHT is needed when the debtor cannot be present before the PPAT directly in making APHT, with the existence of SKMHT followed by APHT the credit agreement can continue.
Item Type: Thesis (Bachelor)
Creators:
Creators
NIM
Email
ORCID
Wijaya, Monalisa
NIM03051200015
monalisa.wijaya02@gmail.com
UNSPECIFIED
Contributors:
Contribution
Contributors
NIDN/NIDK
Email
Thesis advisor
Sitorus, Rolib
NIDN0901016806
rolib.sitorus@uph.edu
Uncontrolled Keywords: Hak Tanggungan; Jaminan; Perbankan; Kredit; Bank Syariah Indonesia
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Medan > Faculty of Law > 74201 - Department of Law
Current > Faculty/School - UPH Medan > Faculty of Law > 74201 - Department of Law
Depositing User: Monalisa Wijaya
Date Deposited: 20 Feb 2025 05:20
Last Modified: 20 Feb 2025 05:20
URI: http://repository.uph.edu/id/eprint/67119

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